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Muhammad Usman Malik

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Open access Aug 2026

Deep Learning for Corporate Governance: Predicting Financial Distress and Fraud Using Transformer-Based Models on Board Networks

A robust set of predictors of financial distress and fraud based on transformer-based designs of the board network data are provided and the application of algorithmic governance based on the use of deep learning can improve transparency, reduce agency risks, and give regulators decision-support systems to conduct acti...

Muhammad Usman Malik, Maarij Ahmed Siddiqui, Sohail Naseer et al. · 0 citations
Open access Jul 2026

Dynamic Customer Equity Optimization: A Reinforcement Learning Framework for Sequential Marketing Decision-Making in Volatile Markets

It is argued that dynamic customer equity optimization is a paradigm shift; instead of reactive, campaign-based marketing, dynamic customer equity optimization is proactive, relationship-oriented value co-creation.

P. Khan, Muhammad Junaid, M. Ajmal et al. · 0 citations

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